Grow your business with a cash advance

Yoco Capital is a fast, flexible cash advance available to eligible Yoco customers. We've disbursed over R3B to our merchants so far.

Check for offer

Two entrepreneurs in a boutique discussing inventory, highlighting the role of business capital in stocking and scaling up.

How it works

Open the Yoco App

If you’re eligible for Yoco Capital, you’ll find out in the Yoco Portal.

Apply in seconds

Get instant approval, and we’ll deposit your cash in 1 business day.

Sell to pay it off

Your advance is paid off as a small % of every sale through Yoco.

See how Izaza Eyewear used Yoco Capital to grow from a side hustle to a fashion institution.

Watch video

A cash injection without the strings of a bank loan

What businesses love about Yoco Capital

Flexible repayment

If business slows down, so do your repayments. No fixed debit orders. No penalty fees.

Risk free

You don’t need to back your cash advance with any collateral. It's stess-free!

Super fast

If your application is successful, the money will be in your account in 1 working day.

No paperwork

No long lines, no hectic admin. Just a few clicks

How Yoco capital can level up your business

Hire more staff

Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.

A happy, engaged team enjoying a moment together—showcasing the power of hiring more staff to strengthen and grow your business.

Get stocked up

Busy period coming up? Yoco Capital puts the money you need to stock up into your account.

A staff member restocking shelves with fresh inventory.

Upgrade your equipment

Need to invest to stay ahead of the competition? We’ve got the funds to make it happen.

A mechanic shop owner upgrading equipment with the help of Yoco Capital funding.

Open a new branch

Eligible businesses can take a cash advance with Yoco, available in 24 hours and paid back via transactions.

A Yoco Capital pre-approval screen displaying R75,000 in funding, offering fast and flexible financing options for business growth.

Yoco Capital FAQS

Signing up to Yoco unlocks the benefits of getting instant payouts and capital.

Visit Help Centre

How do I know if I’m eligible for Yoco Capital?

You need to be a Yoco merchant for 3 months to qualify for Yoco Capital. If you’ve been a Yoco merchant for 3 months or more and don’t have a Capital offer, please email [email protected].

How long does it take to get the funds?

Once approved, your Capital amount will be in your account in 1 working day.

Can I top up my advance before I’ve paid it off?

Yes. The difference between your current repayment and the top up is paid to you in 1 working day.

How does the payback work?

The Yoco Capital payback is passive - you pay it back automatically as a percentage of each sale through Yoco.